345 Westbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 345 Westbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,774 sqft · built 1986
Lot Size	0.187 acres (8,165 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Aug 2025)
Tax Bill	$3,276 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000192`

Property Details

APN / Parcel Number

Primary APN	`A860000192`
Alternative APN	`2-057A-5854-00-0032.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,774 sqft Living Area
Gross Area	2,372 sqft
1st Floor Area	1,228 sqft
Basement Area	546 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,165 sqft (0.187 acres)
Lot Dimensions	115 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	36 sqft
Deck Area	Deck Area
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A860000192
Street Address	345 WESTBROOK DR
City	O FALLON
State	MO
Zip	63366-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #1 LOT 32
Legal Subdivision	WESTRIDGE #1
Legal Lot Number	32
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2000
Census Tract	311802

Owner

Source: St. Charles County records, as of September 11, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	345 WESTBROOK DR, O FALLON, MO 63366-2464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Warranty Deed, Transfer · Conventional Mortgage THE HOME LOAN EXPERT LLC
Jul 6, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage CHESTERFIELD TITLE AGENCY LL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2025 · Amount on File
Deed Sale	Aug 14, 2025 · Amount on File
Prior Sale	Oct 5, 2021 · Amount on File
Deed Document Number	202535267
Prior Transfer Date	Jun 30, 2017
Prior Transfer Doc	0067701858
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 5, 2021
Property Address	345 WESTBROOK DR, O FALLON, MO 63366-2464
Document Number	2021R082841
Map Reference	MB 24 PG 78
Instrument Date	Sep 27, 2021
Instrument	2021R-082841
Transaction Type	Transfer
Record Updated	Oct 18, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	345 WESTBROOK DR, 345, O FALLON, MO 63366-2464

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	2021R082842
Date	Oct 5, 2021
Instrument	2021R-082842

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 6, 2017
Property Address	345 WESTBROOK DR, O FALLON, MO 63366-2464
Document Number	0067701858
Book / Page	6770 / 1858
Map Reference	MB 24 PG 78
Instrument Date	Jun 30, 2017
Instrument	20170706000417030
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CHESTERFIELD TITLE AGENCY LL

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	, 20170706000417040
Date	Jul 6, 2017
Instrument	20170706000417040

Lender

Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2032

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,875 (-)	$267,764 (-) Land $60,000 Building $207,764
2025	$3,276.00 (+5.34%)	$50,875 (+8.52%)	$267,764 (+8.52%) Land $60,000 Building $207,764
2024	$3,110.00
2023		$46,882
2022			$246,746 Land $45,000 Building $201,746

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2015)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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